Refinancing Share Origination actual is at 45% in 2015. Forecast for 1st quarter of 2016 increased to 51%.The forecast for refinancing share origination is projected to fall from 51% in 1st quarter of 2016 to 21% in the last quarter of 2017

Change in Residential Mortgage Debt is 3.7% in 3rd quarter of 2016. Forecast from 4th quarter of 2016 to last quarter 2017 will range between 3.7% to 4.3%